---
title: Best Lease Buyout Loan Rates | Check Yours in 5 Minutes
url: https://www.leaseend.com/lease-buyout-rates
updated: 2026-11-12
author: Lease End
---

# Lease Buyout Loan Rates by Credit Score

See lease buyout loan rates by credit score. APRs as low as 4.99% with same-day approval. Check your real rate in minutes, 100% online.

## Interest Rate Ranges by Credit Score

| Credit Score           | APR Range        | Monthly Payment (est.) |
| ---------------------- | ---------------- | ---------------------- |
| 740+ (Excellent)       | 4.99% to 6.99%   | from $472/mo           |
| 670-739 (Good)         | 7.02% to 8.09%   | from $495/mo           |
| 600-669 (Fair)         | 9.34% to 10.42%  | from $523/mo           |
| under 600 (Rebuilding) | 13.39% to 15.31% | from $574/mo           |

_Estimates based on $25,000 financed for 60 months at the tier's lowest APR._

## Frequently Asked Questions

**What decides my rate?**
Mostly your credit score. Loan term, vehicle age, mileage, and your state matter too. We compare offers across our lender network and show you the best one we find.

**Is the buyout rate the same as my payoff amount?**
No. Your payoff is written into your lease: the residual value plus any payments you have left. The APR is the interest on the loan that pays it off. The table above shows APRs.

**How do I get the lowest rate?**
Know your credit score going in, pick the shortest term your budget can handle, and compare beyond the bank that holds your lease. There's no dealership markup here, and checking your rate costs nothing.

## 30-Day Average APRs

These rates are 30-day averages for funded customers, by credit tier. Payments are computed on $25,000 financed for 60 months at the tier's lowest APR.